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Personal Credit Cards
Premium Benefits Zero Complexity

The First Platinum Mastercard® brings powerful features, strong protections, and the ease you expect, all backed by a financial partner you know and trust.

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Built for Everyday Rewards

You shouldn't need a magnifying glass to understand your credit card. Our Platinum Mastercard® delivers value without the gimmicks—no annual fee, clear terms, and perks that actually matter. 

0% Intro APR

For the first 6 months, pay 0% APR on purchases and balance transfers

No Annual Fees

Enjoy ongoing card benefits with zero annual fee—now and always

1.5x Points

Earn 1.5 points for every $1 spent through uChoose Rewards®

500 Bonus Points

Enroll in eStatements to earn 500 bonus points

Protection That Keeps You Moving Forward 

From digital security to travel confidence, every swipe brings peace of mind. 

  • Zero Liability Protection on unauthorized charges 
  • EMV chip security and real-time fraud monitoring 
  • Travel accident insurance at no added cost 
  • Extended warranty coverage for added value on purchases 
  • Mobile wallet compatible with Apple Pay®, Google Pay™, Samsung Pay® 

Credit Building Made Clear

Need to establish or rebuild your credit? The Secured First Platinum Mastercard® offers all the same great benefits, plus the structure to help you move forward with confidence.

  • Requires a refundable security deposit 
  • Same no annual fee and rewards program 
  • Ideal for building or restoring your credit profile 
  • Backed by the same trusted support and 24/7 account access 
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Simple, Fast & Secure

Apply Online or In Person

Start your application in minutes–wherever you prefer.

Get a Fast Decision

We review your application quickly—often the same day.

Start Using With Confidence

Track your spending, earn rewards, and manage your card digitally.

Get Started!

Whether you're planning a big purchase or just need a reliable everyday card, you’re never alone. With 24/7 service and a local team that understands your goals, the First Platinum Mastercard® is backed by more than a call center, it’s backed by real people. 

Cards are issued by First Financial Corporation and are subject to credit approval. Mastercard is a registered trademark of Mastercard International Incorporated. Other terms and conditions may apply. 

  1. After the introductory six-month period, the annual percentage rate (APR) on your purchases and balance transfers will be 15.49%-24.99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  2. Zero Liability Fraud Protection does not apply to ATM transactions or PIN transactions not processed by Mastercard®. Notify First Financial Bank immediately of any unauthorized use. For specific restrictions, limitations, and other details regarding unauthorized use, see your account agreement. 
  3. If a Secured Platinum Mastercard® application is approved with the minimum required security deposit, a security agreement is required and your account will be opened. Minimum initial credit line of $300 – There is no maximum – the amount deposited is equal to the amount of credit available.